Do you need a better way to compare low-cost Dodge Avenger insurance in Tucson? Trying to come up with a payment for pricey auto insurance can take a big chunk out of your funds and maybe even restrict other spending.
Amazingly, a recent NerdWallet.com study showed that nearly 70% of consumers kept their coverage with the same auto insurance company for over three years, and practically 40% of auto insurance customers have never quoted rates to find affordable coverage. Consumers in Arizona can save approximately 50% each year just by comparing rates, but they just don’t want to save money by comparing rate quotes. Online insurance companies like Allstate, Liberty Mutual and State Farm promote their brand names with catchy ads and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
The most recommended method to compare rates for Dodge Avenger insurance in Tucson is to know the fact most of the larger companies participate in online systems to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details like the ages of drivers, if a SR-22 is required, if it has an alarm system, and how much school you completed. The data gets transmitted to insurance carriers in your area and they return cost estimate immediately.
To compare rates for your Dodge Avenger now, click here and enter the information requested.
The companies shown below are ready to provide price quotes in Tucson, AZ. To locate the best cheap car insurance in Tucson, we suggest you visit two to three different companies to get a more complete price comparison.
Data for Dodge Avenger insurance
The rate table shown next outlines estimates of insurance prices for Dodge Avenger models. Understanding how insurance policy rates are established helps drivers make informed decisions when comparing rate quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in vehicle location which can change insurance rates substantially.
The example below demonstrates how deductible levels and can affect Dodge Avenger premium costs for different insured age categories. The information is based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Full coverage rates vs. liability-only in Tucson
The example below illustrates the comparison of Dodge Avenger insurance costs when comparing full coverage to liability only. Data assumes no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are factored in.
When to stop buying full coverage
There is no exact rule that works best for making the decision to drop physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s say your Dodge Avenger settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after paying your policy deductible. If premiums are more than $200 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some situations where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Why auto insurance is not optional
Despite the high insurance cost for a Dodge Avenger in Tucson, paying for auto insurance is required by state law in Arizona and it also provides benefits you may not be aware of.
- Just about all states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Dodge with a loan, almost all lenders will have a requirement that you have insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Dodge at an extremely high rate and make you pay much more than you were paying before.
- Auto insurance protects both your vehicle and your personal assets. It will also provide coverage for many types of medical costs for yourself as well as anyone injured by you. Liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance definitely exceed the price paid, especially for larger claims. As of last year, the average driver in Arizona overpays more than $700 annually so we recommend shopping around at least once a year to make sure the price is not too high.
Lower-cost Dodge Avenger insurance in Tucson
Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that can help lower your rates. Certain discounts will be triggered automatically when you purchase, but a few must be inquired about before you get the savings.
- Online Discount – Many insurance companies provide a small discount simply for signing online.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it can save substantially.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
- Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from Tucson and won’t have access to an insured vehicle can be insured at a reduced rate.
- Discounts for Safe Drivers – Accident-free drivers can pay as much as 50% less as compared to drivers with claims.
- Theft Prevention Discount – Cars and trucks with anti-theft systems are stolen less frequently and will qualify for a discount on a Tucson car insurance quote.
- Data Collection Discounts – Insureds who allow driving data submission to analyze where and when they drive through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
- Passive Restraint Discount – Factory air bags and/or automatic seat belt systems could see savings up to 30%.
- Tucson Homeowners Discount – Owning your own home or condo may trigger a policy discount on car insurance because owning a home means you have a higher level of financial diligence.
- More Vehicles More Savings – Insuring multiple cars with the same company could earn a price break for each car.
Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts should definitely cut the cost of coverage.
The chart below visualizes the comparison of Dodge Avenger auto insurance costs with and without some available policy discounts. The rates are based on a male driver, no claims or violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, homeowner, safe-driver, and marriage discounts applied.
A list of companies and some of their more popular discounts can be read below.
- GEICO offers discounts including emergency military deployment, seat belt use, anti-theft, membership and employees, air bags, federal employee, and driver training.
- Auto-Owners Insurance policyholders can earn discounts including good student, safe driver, safe vehicle, paid in full, mature driver, anti-theft, and multi-policy.
- American Family offers discounts for good student, multi-vehicle, mySafetyValet, air bags, good driver, defensive driver, and Steer into Savings.
- Esurance has discounts for homeowner, emergency road assistance, online quote, safety device, and Switch & Save.
- Progressive may have discounts that include multi-policy, multi-vehicle, good student, continuous coverage, online signing, homeowner, and online quote discount.
- State Farm may offer discounts for defensive driving training, multiple policy, Steer Clear safe driver discount, Drive Safe & Save, good student, and passive restraint.
- AAA discounts include pay-in-full, multi-policy, good driver, anti-theft, AAA membership discount, and good student.
If you need the cheapest Dodge Avenger rate quotes, ask each company or agent the best way to save money. All car insurance discounts might not be available to policyholders in Tucson. If you would like to choose from a list of insurers that can offer you the previously mentioned discounts in Tucson, click here.
Car insurance agents near you
Some consumers just want to talk to an insurance agent and doing so can bring peace of mind Experienced insurance agents can help you build your policy and give you someone to call. One of the benefits of comparing insurance prices online is you can get lower premium rates but still work with a licensed agent.
To find an agent, once you fill out this simple form, your information is transmitted to insurance agents in Tucson that give free quotes for your coverage. There is no reason to visit any agencies since price quotes are sent immediately to you. If you want to compare prices from one company in particular, you just need to jump over to their website and fill out the quote form the provide.
Selecting a insurance company requires more thought than just a cheap quote. Before buying a policy in Tucson, get answers to these questions.
- Can you choose the body shop in case repairs are needed?
- Do you need full coverage on every vehicle?
- If you have an accident, will your rates go up?
- Does the company have a local claim office in Tucson?
- Will they take your side in the event of a claim?
- Is there a 24/7 contact number?
- Is the agent and/or agency licensed to do business in Arizona?
The following is a list of auto insurance companies in Tucson that may be willing to give price quote information for Dodge Avenger insurance in Tucson.
Once you have satisfactory answers to your questions as well as an affordable premium quote, chances are good that you have found an insurance company that can be relied on to adequately provide insurance.
Ratings for Arizona auto insurance companies
Choosing a highly-rated car insurance provider can be rather challenging considering how many choices drivers have in Arizona. The company ratings shown next may help you decide which providers you want to consider when comparing rates.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
When to get professional advice
Always remember that when buying insurance from an agent or online for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.
For example, these questions can aid in determining whether your personal situation might need professional guidance.
- Is my ex-spouse still covered by my policy?
- What if a claim settlement is too low?
- I don’t drive much so do I pay less?
- Do I have newly-acquired coverage?
- Can good grades get a discount?
- Is a driver training discount available?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.
Auto insurance 101
Having a good grasp of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.
This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like hail damage, fire damage, theft and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, hospital visits and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Liability insurance can cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 15/30/10 which means a limit of $15,000 per injured person, $30,000 for the entire accident, and a limit of $10,000 paid for damaged property.
Liability coverage protects against things such as medical services, medical expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible. Arizona state minimum liability requirements are 15/30/10 but drivers should carry higher limits.
The illustration below shows why minimum state limits may not be enough.
Uninsured/Underinsured Motorist (UM/UIM)
This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Avenger.
Because many people only purchase the least amount of liability that is required (15/30/10), their limits can quickly be used up. So UM/UIM coverage is very important.
Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims like colliding with a tree, colliding with another moving vehicle, hitting a parking meter, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible on your Avenger to bring the cost down.
Compare rates regularly to save
As you shop your coverage around, you should never skimp on coverage in order to save money. Too many times, an insured dropped liability limits or collision coverage only to regret at claim time that it was a big error on their part. Your aim should be to find the BEST coverage at the best possible price while not skimping on critical coverages.
People leave their current company for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, unfair underwriting practices or high prices. Whatever your reason, choosing a new insurance company is actually quite simple.
We just covered a lot of tips how to save on Dodge Avenger insurance in Tucson. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable Dodge Avenger insurance quotes. Drivers may even discover the most savings is with some of the smallest insurance companies.
How to buy lower priced Dodge Avenger insurance in Tucson
Really, the only way to get the cheapest auto insurance rates in Tucson is to regularly compare prices from insurance carriers in Arizona.
- First, take a few minutes and learn about how car insurance works and the modifications you can make to prevent rate increases. Many factors that result in higher prices like at-fault accidents, careless driving, and a negative credit score can be improved by improving your driving habits or financial responsibility.
- Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes for many different companies. Compare rates
- Third, compare the new quotes to the price on your current policy to determine if switching companies saves money. If you find a lower rate quote and buy the policy, ensure coverage does not lapse between policies.
- Fourth, tell your current company of your intent to cancel the current policy and submit the required down payment along with the signed application to the new insurer. As soon as coverage is bound, put the new proof of insurance certificate along with your vehicle registration.
One key aspect of rate comparisons is to try to use identical limits and deductibles on each quote request and and to get rate quotes from as many auto insurance providers as possible. This guarantees a fair price comparison and the best rate selection.
Additional information can be found at these links:
- How to Avoid Staged Accidents (State Farm)
- Who Has Cheap Auto Insurance for Nurses in Tucson? (FAQ)
- How Much are Tucson Auto Insurance Rates for Uber Drivers? (FAQ)
- Who Has Affordable Tucson Auto Insurance for a Subaru Outback? (FAQ)
- Who Has Affordable Auto Insurance Quotes for High Risk Drivers in Tucson? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance Quotes for Used Cars? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)